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Re: Re-entering market - all at once, or over time?

There's always something going wrong in the world, and with today's media, you can be sure that you will hear about it constantly.

I think investing in 4 different installments would be just fine if that helps alleviate your concerns of going in all at once.
by Tigermoose
Thu Oct 16, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 904

Re: investing in bear market

The point of this thread isn't to debate a bear market. Anyone can call a market by any name they choose. I hope its not one! My question was more on the relative risks/rewards of how to allocate new investments vs yearly rebalancing. If you are investing with taxable accounts, you would definitely...
by Tigermoose
Thu Oct 16, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2233

Re: Dealing with Volatility

Sir John Templeton: "The four most expensive words in the English language are "this time it’s different.""
by Tigermoose
Thu Oct 16, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Dealing with Volatility
Replies: 14
Views: 1100

Re: Hold My Hand - I Am Rebalancing

Imdeng wrote:My rebalance will execute today - so it is a bit of fortunate timing that bond yields are tumbling today and stocks are down as well. At least I chose a good day to rebalance :D


Maybe. Or stocks could drop another 10% over the next several weeks. :oops:
by Tigermoose
Wed Oct 15, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1233

Re: Masters in business interview I did with Barry Ritholtz

I enjoyed this as well. I listened in on the Bloomberg radio app which included the extra podcast interview.
by Tigermoose
Wed Oct 15, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Masters in business interview I did with Barry Ritholtz
Replies: 13
Views: 1193

Re: Headed for a 300+ point loss today?

This is exciting. At this rate, I might actually be able to buy some stocks in January when I rebalance!
by Tigermoose
Wed Oct 15, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27750

Re: Why Are Expected Investment Returns So Low?

It might be that the global companies from developed countries end up profiting the most by extracting capital from the developing countries and distributing that capital to shareholders in the developed world.
by Tigermoose
Wed Oct 15, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why Are Expected Investment Returns So Low?
Replies: 13
Views: 1608

Re: investing in bear market

Invest the monthly savings money into stocks until you are at your 60/40 AA. If the stock market plummets, you still might need to rebalance with existing investments.
by Tigermoose
Wed Oct 15, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2233

Re: Hold My Hand - I Am Rebalancing

If it helps you sleep at night and satisfies your itch, there is no harm rebalancing quarterly as long as the assets are transaction and tax cost free (such as mutual funds in 401ks and IRAs).
by Tigermoose
Wed Oct 15, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1233

Re: Siren song of increased stock allocation

Nope. My stock allocations are down about 1% and bonds up about 1%, but I don't rebalance until January according to my IPS.
by Tigermoose
Tue Oct 14, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2847

Re: Looming Corporate Bond Crash?

My retirement AA is 80% stocks. I'm not really worried about bonds in my retirement portfolio. I'm wondering if I'm taking too much risk in my emergency fund / savings. I think it largely depends how stable your job is. If it is unstable, then I would lower my credit risk. If it is very stable, I t...
by Tigermoose
Tue Oct 14, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Looming Corporate Bond Crash?
Replies: 4
Views: 585

Re: Looming Corporate Bond Crash?

If you are in or nearing retirement, you are fine having a large % of your fixed income portfolio with investment grade corporates. If you are young or under 45, you would probably want to be more in treasuries and increase your equities for more return.
by Tigermoose
Tue Oct 14, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Looming Corporate Bond Crash?
Replies: 4
Views: 585

Re: Dashlane App - Recommened or Not?

I love Dashlane. I highly recommend it.
by Tigermoose
Mon Oct 13, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Dashlane App - Recommened or Not?
Replies: 4
Views: 367

Re: is anything 'cheap' out there?

I would suggest mining stocks (VGPMX) and commodities are cheap, but what do I know.
by Tigermoose
Fri Oct 10, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5460

Re: Large Inheritance - Need Advice

Here are some things to consider. I agree with other posters that you absolutely need to find the time to educate yourself properly. It is well worth it. You have children. Invest up to the maximum tax benefit amount in a 529 College Savings plan each year (around 15-16k?). Choose an investment opti...
by Tigermoose
Thu Oct 09, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3473

Re: Sump Pump Running Every 8 Minutes?

Perhaps your sump pump is shooting the water out of your house into some soil that sits in such a way that the water just then drains back into your basement and thus causing the pump to continually run? Also, your gutter down spouts might be emptying the water right into soil that is just draining ...
by Tigermoose
Mon Oct 06, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1340

Re: Estimating Future Investment Returns — On a Napkin

I look at stock return as a combination of "real" return based on dividend payout and stock buybacks, and behavioral return based on greed and fear. I think the OP was focusing on estimating a "real" return, and grayfox was focusing on the wide distribution of probabilities large...
by Tigermoose
Sun Oct 05, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 75
Views: 4766

Re: Estimating Future Investment Returns — On a Napkin

Thanks! So if I have the time horizon and emotional discipline, it is fairly clear that most of my assets should be in stocks at the present time. 5 > .5 Or is that just a little too simplistic?
by Tigermoose
Fri Oct 03, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 75
Views: 4766

Re: Why I sold my gold, and would sell commodities too

Thanks Bill for reminding us that investing is a disciplined long term enterprise.
by Tigermoose
Fri Oct 03, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5177

Re: final tweaks to my allocation

Awesome job! Congrats. :sharebeer
by Tigermoose
Thu Oct 02, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: final tweaks to my allocation
Replies: 11
Views: 448

Re: Assett allocation market timing strategy inspired by Joh

I am OK keeping my glide path asset allocations in place during normal times, but look at the immense abnormal spikes post 2000. That is what I am trying to avoid. It looks to me that 30 is a good point between normal times and manias. It might not be perfect, but it is a benchmark that can be used...
by Tigermoose
Wed Oct 01, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Assett allocation market timing strategy inspired by Joh

Anyone looking to *tactically allocate* using PE, should have a benchmark, I believe. • Why is PE 30 a benchmark for "extreme of high valuation," while PE 28 or PE 25 are not? • Even PE 22 at 50% above mean/median, why is it not a high valuation? • PE 15 = 1.0x (mean/median - a great (goo...
by Tigermoose
Wed Oct 01, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Assett allocation market timing strategy inspired by Joh

In a subsequent post, I included a table (you chose to snip it) - purely a math exercise that would make more sense to ME than taking numbers out of thin air. Sounds good for you. Feel free to use that theory. I am not interested in a rule that covers all ranges of PE -- just the extremes of high v...
by Tigermoose
Wed Oct 01, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Asset allocation market timing strategy inspired by John

But timing moves should be made only when an investor sees these things at extreme levels. Even then, do it at the margins. Don't sell all your stocks. Don't lock yourself into mechanical strategies because each market situation is unique. Rules that are designed to work to protect against a 2000-2...
by Tigermoose
Wed Oct 01, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Asset allocation market timing strategy inspired by John

Seems to me that significant changes in pe will be accompanied by significant changes in AA percentages. Rebalancing back to target risk should cover most of this unless the discussion is an amount of overcompensation. Yes. This would be overbalancing for the sake of reducing equity risk in times o...
by Tigermoose
Wed Oct 01, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Advice for a young/new investor

Instead of buying any bonds, I would suggest paying off the car loan at 3.4% interest. The rest can go into stocks in a Roth IRA through Vanguard. I I would concentrate on getting to $10,000 in VTSMX (Vanguard Total Stock Market), and then after that you can invest some in International. Continue to...
by Tigermoose
Wed Oct 01, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young/new investor
Replies: 12
Views: 844

Re: Assett allocation market timing strategy inspired by Joh

Consider how this approach to US equity will relate to the valuation of the rest of your portfolio. For emaple: - if bond yields are also low, then they also have lower expected return and higher risk than normal. Do you want to shift more to bonds? You might, as a way to reduce equity risk, but so...
by Tigermoose
Tue Sep 30, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Bogleheads, help me be less afraid of international stoc

Exactly why I only have 12% of my portfolio in international equities. It's a sleep well at night thing.
by Tigermoose
Tue Sep 30, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 53
Views: 3686

Re: Assett allocation market timing strategy inspired by Joh

I've been considering the following DAA: 15% when PE>15, 25% when PE<15, for both US and Ex-US respectively. Thus total equity allocation always between 30 and 50 %. So currently would be at 15% US and 25% International. 1. Today, S&P 500 PE 15 is the historical mean/median, for all practical p...
by Tigermoose
Tue Sep 30, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Assett allocation market timing strategy inspired by Joh

...I am thinking about adding the following directive to my IPS. But I first wanted to run it by the Bogleheads to get your take. If S&P PE Ratio goes above 30, then scale back stock allocation 5%, at 35, scale back another 10%, at 40, scale back another 10%, and so on… Rule for increasing stoc...
by Tigermoose
Tue Sep 30, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: US REITs: An Expanding Market

^ Agreed. REITs have been great when cheap (1999,2008) compared to the market. They were essentially value stocks. When they inevitably become cheap again, I would consider adding a slice to my portfolio. What's a good measurement for determining if a REIT is a good buy? I have heard that Price to ...
by Tigermoose
Tue Sep 30, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: US REITs: An Expanding Market
Replies: 25
Views: 3165

Re: Assett allocation market timing strategy inspired by Joh

Those who use such methods don't like to call this Market Timing, rather Dynamic Asset Allocation! Time does not enter the equation but valuations do. For most investors in accumulation static AA is fine, riding out the market cycle waves rebalancing. For those approaching or in retirement, the pos...
by Tigermoose
Tue Sep 30, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: Assett allocation market timing strategy inspired by Joh

Well, if you want to do this then you need to think about what set of earnings you want to use to calculate PE. There are forecasted earnings and then there is TTM (Twelve Trailing Months) which is historical. It's a way to mitigate risk but not necessarily add more return over time. I use somethin...
by Tigermoose
Tue Sep 30, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Asset allocation market timing strategy inspired by John B

Just watched this video of Jack Bogle, where he recommends scaling back stocks when the P/E ratio gets ridiculously high as it was in 2000 or 2007: https://www.youtube.com/watch?v=k6ra5POdsYg Inspired by this, I am thinking about adding the following directive to my IPS. But I first wanted to run it...
by Tigermoose
Tue Sep 30, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Asset allocation market timing strategy inspired by John B
Replies: 43
Views: 3212

Re: How can I stop feeling depressed about my finances?

Your standard of living is probably higher than that of the emperors of Rome. Cheer up :beer
by Tigermoose
Mon Sep 29, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13855

Re: Protection from a market crash

In the upper left of the page there is a "New to Investing" section that you should start at.
by Tigermoose
Mon Sep 29, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1531

Re: Protection from a market crash

You have luckily stumbled upon a site that can make a huge difference in your net worth and quality of life. I would advise you to get educated on the Boglehead way of investing and I think you will count yourself lucky to have found it. There is a lot of trash on the internet, but this site is a di...
by Tigermoose
Mon Sep 29, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1531

Re: Protection from a market crash

If you were to pick a Vanguard Fund to switch to prior to a market crash, which would it (or they) be? This is market timing. It has been shown repeatedly not to work. We are pretty much destined for a market sell-off sometime in the next 1-6 months. So if someone were to put their assets in a safe...
by Tigermoose
Mon Sep 29, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1531

Re: Protection from a market crash

High quality treasury bonds and/or a Stable Value Fund in your 401k are the best assets to have. If the market crashes, the price movements will cause you to rebalance your asset to re-meet the asset allocation specified in your Investment Policy Statement (IPS) that you created prior to the crash (...
by Tigermoose
Mon Sep 29, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1531

Re: rebalancing conundrum/paradox/irony

Aha! So now you see the wisdom of a glidepath! Yep. Setting up a glide path helps you to take more equity risk earlier in your investing lifetime and slowly taper it down as you get closer to retirement. That said, you might want to wait for a 5-10% correction in the stock market before readjusting...
by Tigermoose
Sat Sep 27, 2014 7:30 am
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 83
Views: 5122

Re: Indoor rowing machine - worth it?

Lots of excellent advice on this thread. My goal is overall fitness - cardiovascular, functional strength (not looking for bulging muscles) and flexibility. I used to run regularly till about a year ago (about 10 miles / week). I've also done one round of p90x couple years ago. With a new baby, I d...
by Tigermoose
Wed Sep 24, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3543

Re: Why I sold my gold, and would sell commodities too

Oh dear lord. I hope you are not suggesting using data mining of past data to determine the right asset allocation %? People should be investing moving forward and NOT backwards by looking at a rearview mirror. The lack of understanding of this simple concept has led many an investor to ruin. It is...
by Tigermoose
Wed Sep 24, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5177

Re: Indoor rowing machine - worth it?

I'd disagree in general with this otherwise reasonable sounding advice. Most aerobic activities provide enough strength-related building to improve quality of life for otherwise sedentary folks, while combating one of the biggest life-threatening risk of older age, which is cardiovascular disease. ...
by Tigermoose
Wed Sep 24, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3543

Re: Indoor rowing machine - worth it?

Given that the OP "stumbled upon indoor rowing machines", I'll venture that the OP is not very experienced with physical training. Further, since OP is concerned with "bang" for buck (both money and time), I would strongly suggest that she or he first pursue an intelligent, prog...
by Tigermoose
Wed Sep 24, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3543

Re: Indoor rowing machine - worth it?

Best novice workout. I'll save you the expense of a personal trainer. Monday: Barbell squat, overhead press Tuesday: High intensity cardio (Rower would work) Wednesday: Barbell Deadlifts, chin-ups Thursday: High Intensity cardio (Rower would work) Friday: Barbell bench press, barbell cleans Sat &...
by Tigermoose
Wed Sep 24, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3543

Re: What's Your Takeaway from 2014 High Valuation

I just rebalance twice a year. In January and July I ended up selling some equities and REITS and buying SVF, Commodities futures, and some mining stocks. Not much of a takeaway. I'm just following my IPS -- which ends up making me sell things that are relatively high and buying things that are rela...
by Tigermoose
Wed Sep 24, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4204

Re: Why I sold my gold, and would sell commodities too

past performance is no guarantee of future results

I would be more inclined to listen to your arguments if commodities and gold were not presently an under-performing asset class.
by Tigermoose
Mon Sep 22, 2014 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5177
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